Stanford Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.63% | 3-year CD | 1.88% - National Average |
| 2.53% | 2-year CD | 1.68% - National Average |
| 2.53% | 2-year IRA | 1.68% - National Average |
Stanford Federal Credit Union is headquartered in Palo Alto and is the 20th largest credit union in the state of California. It is also the 94th largest credit union in the nation. It was established in 1959 and as of December of 2018, it had grown to 187 employees and 68,617 members at 5 locations. Stanford Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details
Related Posts
10/23/12 - $50/$50 Refer-A-Friend Checking Bonus At Stanford FCU - Easy Membership
1/10/12 - Stanford Federal Credit Union's Beat the Rate Program for CDs
8/10/10 - Top 24-Month CD Rates and HSA Rates at Stanford FCU in CA - Easy Membership
8/1/10 - Stanford Federal Credit Union HSA Now 3.04% APR, Second Drop In Two Months
7/1/10 - Stanford Federal Credit Union HSA Rate Drops To 3.75
5/22/10 - Competitive CD & IRA CD Rates at Stanford FCU in CA - Easy Membership
2/21/06 - 4.95% 7-Month CD at a California CU
Excellent local credit union for Stanford-affiliated individuals
Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.
Racist And Discriminatory
I was approved for a personal On 1/23/19 from Stanford Credit Union. I was told what stipulations I needed to turn in before I can come down and sign loan docs. A loan officer by the name of Evelyn pulled me in a small office and was extremely rude and very discriminatory. Her tone and level of questioning was humiliating and plainly bias and discriminatory.
She then grabs her Director which I didn’t request. I tried to explain to the Director how I was treated from Evelyn which she could careless and fell upon deaf ears. I tried to explain my experience from beginning and she could careless about my experience or having my time wasted. She then to begin to make things worse. As I was trying to explain my issues with the service I received she basically called me a lair and then begin to assassinate my character.
She begin to raise her voice and tried to kick me out of the credit Union for simply voicing my displeasure with the service I received. I recorded the entire occurrence on my iPhone and will forward to the local media outlets.
Poor Customer Service, Harsh Early Withdrawal Penalty
You'd think a credit union located on campus at Stanford would be great. But no. Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice. Staff is frumpy and don't seem to care. If their app fails, they just shrug it off - try it tomorrow. Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen. A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012). Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 13392 |
| Year Chartered | 1959 |
| Employees | 187 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.26% |
| Return on Equity - YTD | 12.82% |
| Annual Interest Income | $84.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.62B$2.36B |
| Loans | Q4 2018vs Q4 2017 | $1.89B$1.59B |
| Deposits | Q4 2018vs Q4 2017 | $2.03B$1.94B |
| Equity Capital | Q4 2018vs Q4 2017 | $251.6MM$220.8MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $12.4MM$9.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $3.6MM$833.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Stanford Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
Stanford Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.02% | - | - | Companion Account - New Money | |
| 1.51% | - | - | Premier Health Savings Account | |
| 0.20% | - | - | Share Savings Account | |
| 0.20% | - | - | Kid's Stanford Savers Account | |
| 0.20% | - | - | IRA Share | |
| 0.20% | - | - | Health Savings Account | |
| 0.20% | - | - | Business Share Savings Account |
Stanford Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $2.5k | $2.5m | Market Savings Account - Ambassador Relationship | |
| 0.75% | $2.5k | $2.5m | Market Savings Account | |
| 0.75% | $2.5k | - | Business Money Management Account | |
| 0.75% | $2.5k | - | Business Premier Market Savings Account (BPMSA) |
Stanford Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | - | - | Premier Checking - Ambassador Relationship | |
| 0.10% | - | - | Premier Checking |
Stanford Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.30% | $1k | - | 60 Month Premium CD - Partner Relationship | |
| 3.30% | $1k | - | 60 Month Premium CD - Ambassador Relationship | |
| 3.09% | $1k | - | 48 Month Premium CD - Partner Relationship | |
| 3.09% | $1k | - | 48 Month Premium CD - Ambassador Relationship | |
| 3.04% | $1k | - | 60 Month CD | |
| 3.04% | $1k | - | Business 60 Month CD | |
| 2.89% | $1k | - | 36 Month Premium CD - Partner Relationship | |
| 2.89% | $1k | - | 36 Month Premium CD - Ambassador Relationship | |
| 2.84% | $1k | - | 48 Month CD | |
| 2.84% | $1k | - | Business 48 Month CD | |
| 2.79% | $1k | - | 24 Month Premium CD - Partner Relationship | |
| 2.79% | $1k | - | 24 Month Premium CD - Ambassador Relationship | |
| 2.63% | $1k | - | 36 Month CD | |
| 2.63% | $1k | - | 18 Month Premium CD - Partner Relationship | |
| 2.63% | $1k | - | 18 Month Premium CD - Ambassador Relationship | |
| 2.63% | $1k | - | Business 36 Month CD | |
| 2.53% | $1k | - | 24 Month CD | |
| 2.53% | $1k | - | 12 Month Premium CD - Partner Relationship | |
| 2.53% | $1k | - | 12 Month Premium CD - Ambassador Relationship | |
| 2.53% | $1k | - | Business 24 Month CD | |
| 2.38% | $1k | - | 18 Month CD | |
| 2.38% | $1k | - | Business 18 Month CD | |
| 2.27% | $1k | - | 12 Month CD | |
| 2.27% | $1k | - | Business 12 Month CD | |
| 2.22% | $1k | - | 6 Month Premium CD - Partner Relationship | |
| 2.22% | $1k | - | 6 Month Premium CD - Ambassador Relationship | |
| 2.17% | $1k | - | 7 Month Premium CD - Ambassador Relationship | |
| 2.17% | $1k | - | 7 Month Premium CD - Partner Relationship | |
| 1.97% | $1k | - | 6 Month CD | |
| 1.97% | $1k | - | Business 6 Month CD | |
| 1.92% | $1k | - | 3 Month Premium CD - Partner Relationship | |
| 1.92% | $1k | - | 3 Month Premium CD - Ambassador Relationship | |
| 1.92% | $1k | - | 7 Month No Penalty CD | |
| 1.92% | $1k | - | Business 7 Month No Penalty CD | |
| 1.66% | $1k | - | 3 Month CD | |
| 1.66% | $1k | - | Business 3 Month CD |
Stanford Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.30% | $1k | - | 60 Month Premium IRA - Partner Relationship | |
| 3.30% | $1k | - | 60 Month Premium IRA - Ambassador Relationship | |
| 3.09% | $1k | - | 48 Month Premium IRA - Partner Relationship | |
| 3.09% | $1k | - | 48 Month Premium IRA - Ambassador Relationship | |
| 3.04% | $1k | - | 60 Month IRA | |
| 2.89% | $1k | - | 36 Month Premium IRA - Partner Relationship | |
| 2.89% | $1k | - | 36 Month Premium IRA - Ambassador Relationship | |
| 2.84% | $1k | - | 48 Month IRA | |
| 2.79% | $1k | - | 24 Month Premium IRA - Partner Relationship | |
| 2.79% | $1k | - | 24 Month Premium IRA - Ambassador Relationship | |
| 2.63% | $1k | - | 36 Month IRA | |
| 2.63% | $1k | - | 18 Month Premium IRA - Partner Relationship | |
| 2.63% | $1k | - | 18 Month Premium IRA - Ambassador Relationship | |
| 2.53% | $1k | - | 24 Month IRA | |
| 2.53% | $1k | - | 12 Month Premium IRA - Partner Relationship | |
| 2.53% | $1k | - | 12 Month Premium IRA - Ambassador Relationship | |
| 2.38% | $1k | - | 18 Month IRA | |
| 2.27% | $1k | - | 12 Month IRA |
| Stanford Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 1860 Embarcadero Rd | Palo Alto, CA 94303-3335 |
| Branch Office | 525 University Ave | Palo Alto, CA 94301 |
| Branch Office | 300 Pasteur Dr | Stanford, CA 94305 |
| Branch Office | 694 Pampas Ln | Stanford, CA 94305 |
| Branch Office | 459 Lagunita Dr | Stanford, CA 94305 |